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HDFC Bank Credit Appraisal Interview Questions and Answers
HDFC Bank Credit Appraisal Interview Experiences
1 interview found
Anonymous
I applied via Naukri.com and was interviewed in Dec 2020. There were 6 interview rounds.
Interview Questionnaire
6 Questions
- Q1. 1. Latest RERA amendments/news
- Ans.
The latest RERA amendments/news are related to the real estate sector regulations.
RERA stands for Real Estate (Regulation and Development) Act.
The amendments aim to protect the interests of homebuyers and promote transparency in the real estate sector.
One of the key amendments is the extension of the registration period for real estate projects.
Another amendment focuses on the establishment of Real Estate Appellate Tri...
- Q2. 2. Listing the names of Founder/CEO/MD
- Q3. Why do you think you are best suited for this role
- Q4. Articleship experience
- Q5. Case solving- Process from pre sanctioning to post sanctioning of retail loan
- Ans.
The process of retail loan from pre-sanctioning to post-sanctioning involves several steps.
Pre-sanctioning involves collecting necessary documents and verifying the eligibility of the borrower.
The loan application is then processed and the creditworthiness of the borrower is assessed.
Post-sanctioning involves disbursing the loan amount and ensuring timely repayment.
Regular follow-ups are done to ensure timely repayment...
- Q6. Tell me about yourself
Interview Preparation Tips
Consistency of answers and body language are the most important criteria's to get through the interview successfully.
Also, its completely okay if you do not have answers to some questions. One can reply by saying ' I do not have much knowledge about this topic but I will definitely read it up soon'.
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Selected
I applied via Walk-in and was interviewed before Apr 2023. There was 1 interview round.
(2 Questions)
- Q1. What is Kyc and what is cibil
- Ans.
KYC stands for Know Your Customer and is the process of verifying the identity of customers. CIBIL is a credit information company that maintains credit records of individuals and businesses.
KYC is a regulatory requirement to prevent identity theft, money laundering, and terrorist financing.
CIBIL is one of the credit bureaus in India that collects and maintains credit information of individuals and businesses.
KYC invol...
- Q2. What is Cibil of type
- Ans.
Cibil is a credit information company that maintains credit records of individuals and businesses.
Cibil stands for Credit Information Bureau (India) Limited.
It collects and maintains credit information of individuals and businesses.
Cibil provides credit scores based on credit history and repayment behavior.
Lenders use Cibil reports to assess creditworthiness of borrowers.
A good Cibil score increases chances of loan app
Selected
I applied via Walk-in and was interviewed before Apr 2023. There was 1 interview round.
(2 Questions)
- Q1. What is Kyc and what is cibil
- Ans.
KYC stands for Know Your Customer and is the process of verifying the identity of customers. CIBIL is a credit information company that maintains credit records of individuals and businesses.
KYC is a regulatory requirement to prevent identity theft, money laundering, and terrorist financing.
CIBIL is one of the credit bureaus in India that collects and maintains credit information of individuals and businesses.
KYC invol...
- Q2. What is Cibil of type
- Ans.
Cibil is a credit information company that maintains credit records of individuals and businesses.
Cibil stands for Credit Information Bureau (India) Limited.
It collects and maintains credit information of individuals and businesses.
Cibil provides credit scores based on credit history and repayment behavior.
Lenders use Cibil reports to assess creditworthiness of borrowers.
A good Cibil score increases chances of loan app
I applied via Walk-in and was interviewed in Aug 2022. There was 1 interview round.
(3 Questions)
- Q1. On gold loan appseair and testing
- Q2. Any on gold loan gold appraisal testing
- Q3. Gold testing purposes
- Ans.
Gold testing is done to determine the purity and authenticity of gold.
Gold testing can be done using various methods such as acid testing, X-ray fluorescence, and fire assay.
Acid testing involves applying nitric acid to the gold to determine its purity.
X-ray fluorescence uses X-rays to determine the composition of the gold.
Fire assay involves melting the gold and analyzing the resulting liquid.
Gold testing is important...
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